02743nam a2200313 i 4500003000500000005001700005008004100022040002900063090002400092100004000116245018500156260007300341300001700414336002100431337002500452338002300477502010100500504004200601520136500643700003202008700004002040720004602080720004102126720003702167720003802204942004202242952012802284999001702412CSPC20260317102812.0260317s2025    ph a     b    000 0 eng d  aCSPC beng cCSPC erda   aUTH BSOA L881s 20251 aLopez, Mary Chritine I., eauthor. 10aSmart spending : ba study on the relationship between financial literacy and students purchasing decision / cMary Christine I. Lopez, Althea Mahilom, and Jeanel Mae B. Marbella.   aBuhi, Camarines Sur : bCamarines Sur Polytechnic Colleges, c2025.   a115 leaves.   2rdacontentatext  2rdamediaaunmediated  2rdacarrieravolume  aUndergraduate Thesis (BSOA)- Office Administration. cCamarines Sur Polytechnic Colleges, 2025.   aIncludes bibliographical references. 3 aThis study, Smart Spending: A study on the Relationship Between Financial Literacy and Students' Purchasing Decisions, investigated how financial knowledge shapes the spending habits of BSOA students at CSPC Buhi Campus. Using a survey response from 200 students, the research assessed their financial literacy in terms of budgeting skills, saving habits, understanding of financial concepts, decision-making abilities, and use of budgeting tools, as well as their purchasing decision based on frequency of purchases, prioritization of needs, and use of allowance. The findings revealed that most students possess a high level of financial literacy, particularly in separating needs from wants and adjust their budget, when necessary, although their use of budgeting applications remains limited. Results also showed a significant influence of daily allowance on both financial literacy and purchasing behavior, as students with smaller allowances tend to be more disciplined and cautious in managing their expenses. Furthermore, significant differences were observed when respondents were grouped according to age, sex, year level, and source of allowance. Based on these outcomes, the study recommends the development of a financial literacy program aimed at improving students' budgeting practices, saving habits, and overall responsible spending behavior. 1 aMahilom, Althea, eauthor. 1 aMarbella, Jeanel Mae B., eauthor. 1 aTañamor, Ma. Bernadette O., eadviser. 1 aLuzon, April Z., epanelist, chair. 1 aVillar, Mariber M., epanelist. 1 aAdriano, Rolando B., epanelist.   2ddcn0cUMhL881s iBSOA kUTH m2025  00102ddc4070aBUHIbBUHIcUTHd2026-02-23l0oUTH BSOA L881s 2025p00263UM-BUHr2026-03-17 00:00:00t1-1w2026-03-17yUM  c32074d32074